(888) 900 0205Courier Service Insurance
If you deliver things yourself, you often find yourself dashing across town to deliver documents, then running back to the other side to make sure a time sensitive packages makes it on time. And the last thing you need slowing you down in this business is accidents, theft, or unexpected claims from random people. That's why you need courier services insurance. It protects your business, your employees, your vehicles, and your reputation, so you can keep those deliveries moving.
General Liability For Courier Service
General liability insurance is the backbone of protection for courier services. It covers third-party injuries, property damage, and even legal defense costs if someone decides to sue your business.
For example, if a customer trips over a package your driver left in the wrong spot, you don’t want that expense coming out of your pocket.
Claim Example: What's Covered?
- A delivery driver accidentally damages a client’s gate while backing up the van.
- A customer trips over a package and sustains an injury.
- Legal fees and settlements if your courier business is sued for negligence.
BOP Coverage for Courier Services
A Business Owners Policy (BOP) bundles general liability with property coverage—giving courier companies broad protection in one package. If you own or lease an office, warehouse, or storage unit, BOP helps safeguard your physical assets, from office computers to shelving to the packages you’re storing. It also protects against business interruption if fire, theft, or storm damage forces you to halt operations temporarily.
Claim Example: What's Covered?
- Fire damages your warehouse and stored packages.
- Theft of computers and office equipment from your dispatch center.
- Lost income while your delivery hub undergoes repairs.
Workers' Compensation for Courier Services
Workers’ compensation is a must for courier businesses with employees. This coverage pays for medical bills and lost wages if an employee gets injured while working. Without it, you could face lawsuits and steep out-of-pocket costs.
Claim Example: What's Covered?
- A driver slips on ice while delivering a package and fractures an ankle.
- An employee strains their back while lifting a heavy box.
- Lost wages while an injured courier recovers and can’t return to work.
What Else Do Courier Services Need?
Beyond general liability, BOP, and workers’ comp, courier services often require additional protection. Here are some key coverages to consider:
- Commercial Auto Insurance – Required for company vehicles. Covers accidents, property damage, and injuries involving your delivery vans, cars, or trucks.
- Cyber Liability Insurance – If your business accepts online orders and digital payments, or if it stores client data in the cloud, it's at risk for data corruption, hacking, and cyberattacks.
- Umbrella Liability Insurance – Provides an extra layer of coverage if a large claim exceeds your general liability or auto limits.
- Professional Liability Insurance (Courier E&O) – Covers disputes with customers over late or missed deliveries.
- Commercial Property Insurance – Protects your storage space, office, and equipment against fire, theft, or natural disaster damage.
Courier Services Insurance FAQs
1. How much is courier services insurance?
What kind of delivery fleet do you use? Cars, bicycles, ebikes, and trucks all have varying coverage needs. So your costs are going to depend heavily on the unique configuration of your business.
2. How do I buy courier services insurance?
You can work with a licensed insurance agency like USA Insurance to compare quotes and build a customized package that fits your courier business needs.
3. Do I need cargo insurance as a courier?
Yes, if you transport anything of value for your clients, cargo insurance is essential to protect against theft or damage during delivery.
4. Is commercial auto insurance required?
Yes. Personal auto policies generally won’t cover accidents while making deliveries for business.
5. What happens if an employee is injured while delivering?
Workers’ comp covers their medical bills and lost wages, protecting your business from lawsuits.
6. Can independent contractors be covered?
In some cases, yes, but usually they have to provide proof that they carry their own insurance.
7. Is insurance required to get courier contracts?
Most corporate clients require proof of general liability, auto, and cargo insurance before awarding delivery contracts.
Why choose us
Numbers that prove it.
Independent. Licensed in all 50 states. Backed by partnerships with the carriers that matter to your business.
1,000+
Trades Insured
18+
Years In Business
240+
Years In Business
Our Partners
We partner with A-Rated AM Best Insurance Companies (ratings subject to change)
